If you have been injured in a car accident in Georgia, you probably have many questions. Who is responsible for the damage to your vehicle? How are you going to pay your medical bills? What is involved in pursuing a personal injury claim against the insurance company?Insurance file
In the event of a collision, the first thing an insurance company will do is investigate what happened in the crash and decide who was at fault for causing the accident. This is called determining liability. Before an insurance company will pay any money for car repairs or medical bills, they must determine that their insured driver was at fault for the collision.
During the course of the investigation, the insurance company will interview both drivers, examine a police report if one was filed, and talk to any witnesses of the accident. They will also analyze the property damage done to both vehicles.
Even if it is determined that the person driving the other car did cause the accident, the insurance company will not pay any claims unless the driver has a valid insurance policy with that company. Most insurance policies cover the vehicle’s owner and members of the insured driver’s household. They will usually cover another driver who has been given permission to drive by the owner. However, there are exceptions to this, and some insurance policies are very restrictive with regard to who they will cover.
Treating for Injuries
If you have been hurt in a car accident, it is imperative that you seek medical treatment right away. If you are really hurt, it is your duty to go the emergency room or seek care from a doctor. Be sure to report all of your injuries and follow your doctor’s instructions. Don’t wait too long before you see a doctor. Many people want to tough it out and wait and see if their injuries get better on their own. They might, but they might not. If you wait too long to see a doctor, the insurance company is going to claim you were not really hurt.
The liability insurance company is responsible for the medical bills incurred relating to your accident injuries. However, they will not pay for your treatment as you go. They will only make one payment to you, and that is as a final settlement if they settle at all. There are a couple of ways to pay your medical bills. If you have Med Pay coverage on your own insurance policy, it will cover 100% of your reasonable and necessary medical bills up to the limits of that policy. After that, your health insurance will start paying for the medical bills.
Settling a Georgia Injury Claim
Once you have completed all of your medical treatment, you can begin to consider settling your case. Do not try to settle before you are fully healed. If you settle your case and you end up having more medical treatment later on, the insurance company will not be responsible for compensating you for it. Once you settle your case, it is over.
Ideally, an insurance company will make a settlement offer based on your medical bills and any wages you lost if you had to be off of work due to your injuries. They should also take into consideration your pain and suffering. If you have gone through a lot of painful and extensive medical treatment, you should expect the insurance company to recognize that and consider it accordingly when making a settlement offer.
It can be difficult, if not impossible, to obtain a fair settlement from the insurance company on your own. A lawyer who is experienced with the Georgia injury claims process is usually necessary to force the insurance company to offer a settlement that you deserve. If you have been seriously injured in a car accident, you owe it to yourself and your family to find an experienced attorney to be your advocate.